A BaaS-based MVP can be delivered in 3-6 months with a focused team working on pre-built infrastructure. A full-featured neobank with custom core banking, multi-currency support, and multi-jurisdiction compliance takes 9-18 months. EMI applications run in parallel but add several months to the regulatory timeline: the EBA reports a 9.5-month EEA median, and the FCA targets three months for complete filings.